Hartford Auto Insurance For Less Than You're Paying Now

If you've never shopped for auto insurance online, it's easy to be confused by the vast number of auto insurance companies selling insurance in Hartford.

More discounts equal less premium

Companies offering auto insurance don't always advertise every discount very clearly, so we break down both well-publicized and the more hidden savings tricks you should be using.

  • Federal Employees - Simply working for the federal government could cut as much as 10% off with a few auto insurance companies.
  • Air Bag Discount - Cars that have air bags or motorized seat belts may earn rate discounts up to 30%.
  • Low Mileage Discounts - Low mileage vehicles can earn discounted rates on garaged vehicles.
  • Paperwork-free - A few companies will discount your bill up to fifty bucks just for signing your application over the internet.
  • Safety Course Discount - Successfully completing a course in driver safety can save you 5% or more depending on where you live.

It's important to note that most discount credits are not given to the entire policy premium. The majority will only reduce the cost of specific coverages such as comp or med pay. So even though they make it sound like all the discounts add up to a free policy, you're out of luck.

For a list of insurance companies with discount auto insurance rates in Alabama, click here to view.

Auto Insurance Comparison Rates in Hartford, AL

Most major insurance companies like Progressive, Allstate and GEICO allow you to get pricing on their websites. Getting online rates is pretty easy as you simply type in your personal and coverage information into the quote form. Once entered, the company's rating system will obtain your driving and credit reports and provides a quote based on these factors.

Quoting online makes comparing rates easy, but the work required to visit each company's website and repetitively complete many quote forms gets old quite quickly. Unfortunately, it is important to perform this step in order to find a lower rate.

There is a better way!

A more efficient way to compare rates uses one simple form to obtain quotes from several different companies. It's a real time-saver, eliminates repetitive work, and makes online price comparison much easier. As soon as the form is sent, it is rated with multiple companies and you can pick any one of the quotes that you receive. If the quotes result in lower rates, you can simply submit the application and purchase coverage. The entire process takes less than 15 minutes and could lower your rates considerably.

To save time and find out how much you're overpaying now, click here and complete the simple form. To compare your current rates, we recommend you input the insurance coverages exactly as shown on your declarations page. This helps ensure you're receiving comparison quotes based on identical coverages.

It's not one size fits all

When it comes to choosing adequate coverage for your vehicles, there isn't really a one size fits all plan. Each situation is unique.

Here are some questions about coverages that may help highlight if you might need professional guidance.

  • Am I covered if I drive in a foreign country?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is my vehicle covered for flood damage?
  • Does my personal policy cover me when driving my company car?
  • Do I really need UM/UIM coverage?
  • Do I need special endorsements for business use of my vehicle?

If you're not sure about those questions, you may need to chat with an agent. To find an agent in your area, complete this form.

The best insurance company isn't always the cheapest

People leave their current company for many reasons like extreme rates for teen drivers, poor customer service, delays in responding to claim requests and an unsatisfactory settlement offer. It doesn't matter why you want to switch finding the right auto insurance provider is not as hard as you think.

In this article, we presented some good ideas how you can get a better price on auto insurance. It's most important to understand that the more price quotes you have, the better your chances of lowering your rates. You may even discover the best prices are with a company that doesn't do a lot of advertising.

Lower-priced auto insurance is attainable online and with local Hartford insurance agents, so compare prices from both to have the best rate selection. Some insurance companies do not offer online quoting and these regional insurance providers work with independent agents.